Investing for yourself and your loved ones is one of the most important things one can do. If you are 16-100 years old, know very little about investing, find it confusing, intimidating and risky, then this is the class for you. In this series of three, two-hour sessions we will explore the investment markets as well as the instruments used within them. One of the main goals of these sessions is to answer your questions about stocks, bonds, ETF’s, and the markets — anything to do with investing. Questions can be spontaneous in class or, for our quiet guests, hand-write your questions and submit them anonymously.

Your instructor is Rob LoRe who is retired after more than thirty-five years in the financial services industry where he has held Series 6, 7, 63 and 24 National Association of Securities Dealers securities licenses. There is no obligation of any kind to attendees. Information provided is purely for educational purposes and is solely to enhance one’s general understanding of investing and the instruments with which to do so. These sessions are not to be construed as investment advice. Mr. LoRe is not currently associated with any broker dealer, or purveyor of financial instruments, and receives no monetary compensation for providing this information.

Investing Basics: Session 1
General Rules for Investing

What are the general rules for investing, what are my goals, how much risk am I willing to accept, risk reward scenarios,

Considerations before investing
Investing Risks
Risk tolerance
Risk according to age group
Investment goals
Investing according to your goals
Asset Classes
Stocks, Bonds, Mutual Funds, ETF’s, Money Markets, CD’s, Immediate and Tax Deferred Annuities
Assets and risk
Taxable vs. Tax-free investing
Taxable compounding vs. Tax-free compounding

Investment account choices
Managing your Portfolio
Market Cycles
Evaluating Performance
Investing by age Groups
Questions

Understanding Mutual Funds: Session 2
Mutual funds are arguably the small investor’s best way to invest in the stock and bond markets. In fact,
many Americans’ already own mutual funds through their employer’s 401k retirement plans. Join us for
a clear insight into this all-important investment vehicle as we explore and explain:
Exactly what is a mutual fund?
What is a prospectus
Fund company structure
Why invest in a mutual fund
What are the 5 benefits to owning funds?
What is NAV and how is it calculated
When are funds priced?
What causes fund price changes

Understanding fund fees and expenses
How are funds sold and by whom?
What is a funds cost to you and how is it paid?
Share classes
Questions

Understanding Mutual Funds: Session 3
How do I invest in mutual funds? Which fund do I choose? How can I measure a fund’s performance?
What is the difference between fund A and fund B? Now that you have some fund basics down from
Part I, these might be some of the questions you find yourself asking. Join us as we delve a little deeper
into the world of mutual funds to learn about:
Choosing a mutual fund
Fund Types
Investment strategies
Evaluating Mutual Funds
Benchmarks and indices

Morningstar and Lipper
What are ETF’s?
How significant are ETF’s?
How do ETF’s compare to mutual funds?
Questions